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Deposit Rates

Savings

SAVINGS ACCOUNTS
Effective Date: February 1, 2023
TYPEDIVIDEND RATEAPY*
Regular Primary Share 0.25% 0.25%
Star Savings 0.25% 0.25%
Christmas Club
(Max Bal. $5,000-multiple deposits)
0.25% 0.25%
Health Savings Account 0.25% 0.25%
Escrow Savings 0.00% 0.00%

GOLD STAR MONEY MARKET
Effective Date: February 1, 2023
TIERSDIVIDEND RATEAPY*
$0.00 - $2,500.00
(Paid when account balance is over $2500)
0.54% 0.54%
$2,500.01 - $25,000.00 0.59% 0.54 - 0.59%
$25,000.01 - $50,000.00 0.64% 0.59 - 0.61%
$50,000.01 - $100,000.00 0.69% 0.61 - 0.65%
$100,000.01 - $250,000.00 0.79% 0.65 - 0.73%
$250,000.01 - $500,000.00 1.00% 0.73 - 0.87%
$500,000.01 - ^ 2.00% 0.87 - 2.00%

IRA SAVINGS
Effective Date: February 1, 2023
TYPEDIVIDEND RATEAPY*
TRADITIONAL 0.40% 0.40%
ROTH 0.40% 0.40%
EDUCATION 0.40% 0.40%

 

Checking

PAYMENT ACCOUNTS
Effective Date: February 1, 2023
TYPEDIVIDEND RATEAPY*
STAR (& S81 NON-TRUNCATED) 0.00% 0.00%
STAR+ ($2,500 min balance to earn dividends) 0.05% 0.05%
STARReward Dividend Rate (if qualifications are met) 2.49% 2.52%
RISING STAR 0.00% 0.00%

 

Share Certificates

STANDARD CERTIFICATES
Effective Date: February 1, 2023
TERMDIVIDEND RATEAPY*MIN $
3 Month 3.00% 3.03% $500.00
6 Month 3.00% 3.02% $500.00
12 Month 3.15% 3.18% $500.00
24 Month 3.05% 3.07% $500.00
48 Month 3.15% 3.18% $500.00
60 Month** 3.25% 3.28% $500.00
**60M allows 1-time rate bump after 18 months

IRA CERTIFICATES (TRADITIONAL, ROTH & COVERDELL)
Effective Date: February 1, 2023
TERMDIVIDEND RATEAPY*MIN $
12 MONTH 3.25% 3.28% $500.00
24 MONTH 3.15% 3.17% $500.00
36 MONTH 3.20% 3.23% $500.00
48 MONTH 3.25% 3.28% $500.00
60 MONTH 3.40% 3.43% $500.00

SPECIALTY CERTIFICATES
Effective Date: February 1, 2023
TERMDIVIDEND RATEAPY*MIN $
15 MONTH** 3.15% 3.17% $100.00

MAX DEPOSIT TOTAL 15 MONTH CDs  - $10,000.00

**15M Allows add-ons & withdrawals Min +/- $100

37 MONTH** 2.80% 2.82% $500.00
**37M Allows add-ons ($1000+) & 1-time rate bump after 18 months

 

*APY = Annual Percentage Yield. Rates are variable and subject to change. Early withdrawal penalties apply to certificate accounts. Please refer to the Truth in Savings disclosure for full details.